FAVORIT BESTCARE or FAVORIT MULTICHOICE — Region 1, St. Gallen
Region 1, St. Gallen: with SWICA, FAVORIT BESTCARE costs CHF 506.20 a month in 2026 and FAVORIT MULTICHOICE CHF 482.90, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT MULTICHOICE is the cheaper of the two here: CHF 279.60 saved per year against FAVORIT BESTCARE, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT BESTCARE is a "Group practice (HMO)" model. FAVORIT MULTICHOICE is a "Family doctor" model.
- FAVORIT BESTCARE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- FAVORIT MULTICHOICE
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | FAVORIT BESTCARE | FAVORIT MULTICHOICE | Gap per year |
|---|---|---|---|
| 300 | CHF 506.20 | CHF 482.90 | CHF 279.60 |
| 500 | CHF 494.50 | CHF 471.30 | CHF 278.40 |
| 1'000 | CHF 482.80 | CHF 447.90 | CHF 418.80 |
| 1'500 | CHF 471.10 | CHF 418.80 | CHF 627.60 |
| 2'000 | CHF 459.40 | CHF 383.80 | CHF 907.20 |
| 2'500 | CHF 430.20 | CHF 354.60 | CHF 907.20 |
The comparison, region by region
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.